Our son is 18. In May he attended a beer party . He was nervous & ended up having one beer & leaving early. Leaving the party he was pulled over by officer who knew there was a party. His alcohol level was .001. He was arrested for Wisconsin Absolute Sobriety law. Later we contacted our insurance company to get him proof of insurance so he could get an occupational license since he was starting a new job. They granted the proof of insurance though claiming we had never added our son to our policy. I distinctly remember giving them all of our sons information. Now they want to double our insurance costs just to add our son to the policy. We cannot afford to do that. He will be going to college soon and needs a car there. What do we do?? He will get his license back on Sept 7, though his occupational license is good until then. But if we don't submit to their extortion they are dropping the vehicle he drives from policy. He has no prior accidents or tickets.
2007-07-26 07:19:34 · 5 answers · asked by Anonymous in Cars & Transportation ➔ Insurance & Registration
Hi there:
Your son will have to either be added or excluded from your policy as long as he is a member of your household. If you don't add him to the policy - he would not meet the definition of a 'covered driver' and there would be no coverage for him anyway. If he is going to college and your home is still his primary residence - he could still be on your policy. (I think it's either until he graduates...or is 21....check with your agent)
This may be the time to shop around for alternative coverage.
No matter where you go? Rates for males under the age of 25 are outrageous. Really. Unfortunately that is the sad truth and there is no way around it. Additionally....he is going to be considered high risk.
He could try to get coverage on his own - but no or little credit history could have a negative impact on his rates.
Long story short - it would technically be better for him to be added to your policy. He would later on be able to spin off of your policy onto his own policy.
Best of luck to you guys!
~jifr!
2007-07-26 09:00:26 · answer #1 · answered by Jifr 4 · 0⤊ 0⤋
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2016-09-25 03:14:07 · answer #2 · answered by Sophia 3 · 0⤊ 0⤋
learn costs for loose at - INSURERATESNOW.information- RE vehicle coverage problem? i could desire to resume my vehicle coverage interior here couple of days yet i'm additionally shifting to a sparkling handle in under 3 weeks time. This new handle promises me plenty extra cost-effective vehicle coverage. i don't use my vehicle plenty and can do without utilizing it desirous approximately 3 weeks. notwithstanding if that's parked on the line and totally taxed is it a criminal requirement to insure the motor vehicle even notwithstanding if it is not used. i will stay with it being stolen or broken yet i does not desire to be fined for being uninsured. the only problem with insuring the motor vehicle under my cutting-edge postcode is that i'm on the whim of the coverage firms to what low cost they supply me while i certainly flow. each and all of the insurers I certainly have phoned can not assure a fastened cost for the hot postcode if I sign up my the coverage under my cutting-edge postcode for the 1st 3 weeks. My important project is to not do something unlawful so on the top of the day it is not worth saving money if i'll get in to bother or be fined.
2016-10-09 10:09:05 · answer #3 · answered by ? 4 · 0⤊ 0⤋
You should have paperwork from the insurance company with everything and everyone who is on the policy. Check your old records to see if he was ever on it. My company automatically sends a new policy when any changes are made.
2007-07-26 08:01:59 · answer #4 · answered by sensible_man 7 · 0⤊ 0⤋
CHECK WITH THE BOARD OF INSURANCE WHICH IS ON LINE AND THIS WAY YOU WILL BE ABLE TO SEE FIRST HAND ALL INSURANCE COMPANIES INCLUDING THEIR RATINGS AS WELL AS HOW THEY PAY AND TREAT CONSUMERS AND MAYBE BE ABLE TO ASSIST YOU.
2007-07-27 11:27:22 · answer #5 · answered by Anonymous · 0⤊ 1⤋